Chapter 7 Bankruptcy and the Automatic Stay: Will it Stop my Creditors?
August 25, 2009
After you file for bankruptcy, the court issues an order called an “automatic stay.” This stops many creditors from trying to collect from you.  This article discusses what the automatic stay can and cannot do for the bankruptcy filer.
What does the automatic stay prevent or stop?
Calls and letters from creditors and debt collectors
Once notified of your bankruptcy filing, creditors and debt collectors must stop calling you to try to collect.  They must also stop sending you collection letters.
If you receive collection communications after filing bankruptcy, you can file a violation of stay action against the debt collector or creditor.  Save any letters or recordings of calls that violate the automatic stay.
Foreclosure
The automatic stay temporarily stops foreclosure proceedings.  But,  the mortgage lender will often petition the court to lift the automatic stay to proceed with foreclosure.  More on this below.
A Chapter 13 bankruptcy — which would allow you work out a repayment plan to bring your mortgage current– may be able to help if you need long-term help paying mortgage arrearages.
If you are not currently behind on your mortgage but you need to be relieved of your unsecured debt (for example, credit card debt) to continue paying your mortgage, a Chapter 7 bankruptcy may help as well.
But, keep in mind a Chapter 7 bankruptcy takes 3-6 months to complete.  So, you will need to avoid mortgage delinquencies during that time.  If you don’t, your servicer will likely petition the court to lift the automatic stay so it can foreclose.
Eviction
If you are a renter and you are being evicted from your home, the automatic stay may help buy you some time.
But, you will need to file bankruptcy before your landlord gets a judgment of possession against you.  Once the landlord has a judgment of possession, he or she may proceed with the eviction as if you hadn’t filed for bankruptcy.
Wage garnishments
Filing bankruptcy stops many wage garnishments.
Garnishments of bank accounts
A bankruptcy filing may stop a bank account garnishment, depending on how far the garnishment has already progressed.
If you have received a notice that your bank account has been garnished, contact an attorney as soon as possible.
Utility disconnections
If a utility company is threatening to disconnect your electric, gas, water, or telephone service, the automatic stay will prevent disconnection for at least 20 days.
What the Automatic Stay Will Not Prevent
Some tax proceedings
The IRS can still audit you and issue demands for payment.  But, the automatic stay does stop the IRS from issuing a tax lien, seizing your property, or garnishing your income.
Child support and alimony
Bankruptcy won’t stop a paternity lawsuit against you.  Bankruptcy will not stop actions seeking to establish, modify, or collect child support or alimony.
Criminal proceedings
Bankruptcy will not stop criminal proceedings.  But, if a criminal case also has a “debt component,” (for example, you are ordered to pay a fine), bankruptcy may stop the debt portion of the proceedings.
Loans from a pension
The automatic stay will not prevent your employer from withholding amounts to repay a loan from certain types of retirement plans and pensions.  These include most IRAs and  job-related pensions.
Multiple filings
If you had a previous bankruptcy case pending during the past 12 months, then the automatic stay will terminate after 30 days.
You can petition the bankruptcy court to extend the stay if you can prove the current case was filed in good faith.
Creditors Can Ask the Court to Life the Automatic Stay
While the automatic stay goes into effect automatically (hence the name), creditors may ask the bankruptcy court to remove (“lift”) the stay, if it is only postponing the inevitable.
For example, if you are far behind on your car or house payments and you will not be able to afford them even after your bankruptcy is discharged, the creditor in question may petition the court to lift the stay so it can proceed with foreclosure of the house / repossession of the car. (This will play out differently in Chapter 7 than in Chapter 13. Consult an attorney for more details.)
This makes bankruptcy planning very important.  Both you and your attorney should devote time and attention to ordering your financial affairs so you can truly have a fresh, sustainable start after your bankruptcy is completed.
Chapter 7 Bankruptcy: What Documents Do I Need?
August 23, 2009
You may have heard there is a lot of paperwork involved in filing for bankruptcy. To some extent this is true, but our office can help eliminate some of it by getting some information about your creditors or tax transcripts directly from the credit bureaus and IRS.
You will still need to gather some documents, however. A partial list appears below. Because every case is different, you will probably need to gather a few additional documents for your particular case.
PLEASE NOTE: You do not need to have all of these documents in order to make an appointment for a consultation with our office.
We provide this list to help you in your bankruptcy pre-planning. It is easier to save the documents as you receive them (monthly bills, for example) than it is to gather them all at once.
Credit counseling certificate
You need a certificate showing you completed your Trustee-approved credit counseling course. You can complete this course online, and the certificate is good for 6 months after the date you receive it. See the U.S. Trustee website at this link to find a list of approved courses.
Copies of Federal Tax Returns
Your attorney will need to review at least the past 2 years of federal tax returns. If you do not have these, we can order transcripts for you.
Copies of Credit Reports
While we will order copies of your credit reports for you when it is time to complete your bankruptcy petition, it is a good idea for you to order a copy in advance and review it.
After reviewing your credit report, make a list of any creditors who do not appear on the credit report. Even if they do not appear on your credit report, creditors must be notified of your bankruptcy.
Examples of creditors who often do not report to the bureaus include doctors, dentists, and debt collectors. Loans made by family members are also unlikely to be reported to the credit bureaus.
See this link for information about ordering free or reduced-cost credit reports.
Other documents
Other documents you will likely need in preparing your filing:
> Pay check stubs for the past six months for both filer and spouse,
> A photocopy of your driver’s license and social security card,
> Federal and state tax returns for at least the last two years,
> Personal bank account statements for the past year,
> Business bank account statements for the past year if you operate a business,
> All credit card statements for the past six months,
>All mortgage billing statements for the past six months,
>All personal loan billing statements for the past six months,
>Bills showing amounts owed for medical or dental debts,
>Copies of bills for other monthly expenses (gym dues, security system, etc.)
>All car loan billing statements for the past six months,
>Copies of car titles for all vehicles,
> All utility bills for the past six months,
> Any collection letters, lawsuit papers, complaints, or attorney notices,
> Information about any collection phone calls you have been receiving,
> Copies of deeds for real estate you own,
> If divorced, a copy of the divorce decree and any settlement agreements, and
> Copies of alimony or child support orders in effect.
Chapter 7 Bankruptcy: Who Can File?
August 23, 2009
Use the questions below to determine whether you are eligible to file Chapter 7 Bankruptcy. If you need help with these questions, please feel free to call our office for a free phone consultation.
Question One: Are you Eligible under the Income Guidelines?
Question Two: Have You Previously Received a Bankruptcy Discharge?
Question Four: Have You Accumulated Debts in Anticipation of Filing or Concealed Assets?
Question Five: Have you Taken the Required Credit Counseling Course?
Question Six: Are you Current on all Tax Filings?
Question Seven: Have you Gathered Your Documents?
___________________________________________________________________________________
Question One: Are you Eligible under the Income Guidelines?
A. Skip this step if you are:
A disabled veteran whose debts were incurred during active duty.
Your debts are primarily from the operation of a business.
B. Median Income and The Means Test
(1) Determine whether your “Current monthly income” is higher than median income for a family of your size in your state.
Your “current monthly income” is your average monthly household income over the last six months before you file.
Find the figures to use for your state’s median income at this link.
If your income is less than or equal to the median income for a family of your size in your state, you are presumed to be eligible to file Chapter 7 bankruptcy. But, see below for the “totality of the circumstances” test.
If your income is more than the median, you must proceed to the next step…the “Means Test.”
(2) If Necessary, Take the Full Means Test
If your average monthly income for the six-month period prior to filing is higher than the median income for a family of your size in your state, you need to take the “full” means test to determine if you are eligible to file Chapter 7 bankruptcy.
While there are many means test calculators available on the internet, many of them are not reliable. If you need to take the means test, our office will do this calculation for you as part of your initial consultation.
(3) “Totality of the Circumstances” Test
Even if your income is below the median for a family of your size in your state, your filing will still be scrutinized by the Trustee under the “totality of the circumstances” test.
What does this mean? If, for example, you seem to have lots of income left over after paying your monthly bills, the Trustee could theoretically throw out your Chapter 7 bankruptcy for being abusive.
Consequently, it is very important to be sure you disclose ALL expenses when you complete the financial information associated with your bankruptcy filing.
Sometimes people are embarrassed of high expenses and will try to minimize them when filling out forms or disclosing this information to their attorney. This is a mistake for the reasons noted above.
Question Two: Have You Previously Received a Bankruptcy Discharge?
Chapter 7 Discharge: You may not file a Chapter 7 bankruptcy case if you received a Chapter 7 bankruptcy discharge within the past EIGHT years.
The dates are calculated from filing date to filing date.
Example: if you filed your previous Chapter 7 bankruptcy on August 1, 2001 and received your discharge on February 1, 2002, you are eligible to file another Chapter 7 bankruptcy on August 1, 2009.
Chapter 13 Discharge: You may not file a Chapter 7 bankruptcy case if you received a Chapter 13 bankruptcy discharge within the past SIX years (again calculated filing-date-to-filing-date.)
You are not eligible to file for Chapter 7 bankruptcy if a previous Chapter 7 or Chapter 13 case was dismissed within the past 180 days because (1) you violated an order of the Bankruptcy Court, (2) the court found the previous filing fraudulent or abusive, or (3) you requested dismissal after a creditor asked for relief from the automatic stay.
Question Four: Have You Accumulated Debts in Anticipation of Filing or Concealed Assets?
If you have run up debts in anticipation of filing bankruptcy and / or concealed assets, you will not be eligible to file bankruptcy.
The following are examples of transactions that can render you ineligible to file and / or to discharge your debts in bankruptcy:
Making false statements about your income or debts on a credit application,
Changing the way title is held to your house, car, or bank accounts,
Giving or selling assets to your friends or relatives to hide them,
Running up debts for luxury items when you had no way to repay, or
Concealing property or money from your spouse during a divorce proceeding.
Question Five: Have you Taken the Required Credit Counseling Course?
Before you file for Chapter 7 Bankruptcy, you must take a Credit Counseling Debt Education course approved by the Office of the U.S Trustee.
You can take the class online or over the phone. There are many Trustee-approved vendors.
See the U.S. Trustee website at this link to find a list of approved vendors.
Question Six: Are you Current on all Tax Filings?
Your bankruptcy attorney will need to review tax returns from at least the past two years. Additionally, you must be current on all tax returns in order to qualify for bankruptcy relief.
Question Seven: Have you Gathered Your Documents?
If you need help with any of the above questions, please call our office for a free bankruptcy phone consultation.
Chapter 7 Bankruptcy: What is it?
August 20, 2009
Bankruptcy is a federal court process that helps consumers and businesses eliminate debts. The two most common kinds of consumer bankruptcy are Chapter 7 and Chapter 13. This post discusses the basics of Chapter 7 bankruptcy.
What is Chapter 7 bankruptcy?
Chapter 7 bankruptcy is what most people think of when they consider filing for bankruptcy. It is also called “liquidation bankruptcy.” At the end of a Chapter 7 bankruptcy, many unsecured debts are wiped out. Personal liability on secured debts can often be eliminated as well.
Am I eligible to file a Chapter 7 bankruptcy?
Most people who call our office are eligible to file Chapter 7 bankruptcy.
But, if you have a certain amount of “disposable income,” you will not be permitted to file a Chapter 7 bankruptcy. (You may be eligible to file a Chapter 13 bankruptcy, however.)
Your “disposable income” is determined by subtracting certain allowed expenses and debt payments from your income.
Overview: Chapter 7 Bankruptcy
First, you must determine if you qualify for Chapter 7 bankruptcy.
Assuming you qualify for Chapter 7, the next step is making a list of everything you own.
You decide which items you would like to keep– up to a certain amount. This is called your “exemption amount.”
Your exemption amounts are determined by your state of residence.
In theory, the property you own that isn’t covered by your exemptions can be taken and sold to pay back some of your debt.
In reality, very few consumers filing Chapter 7 bankruptcy are forced to sell any of their property during the bankruptcy process. This is partly because filers can apply their exemptions to keep most of the property they own.
Most unsecured debt left over after this process is “discharged” or wiped out.
Secured debt is treated differently. And, not all unsecured debts can be discharged. More on this below.
Secured debt in a Chapter 7 bankruptcy
What is secured debt?
Secured debt is debt that is attached to (“secured” by) an asset. The asset can often be repossessed if you don’t make payments on the debt as agreed. An example of secured debt is a car loan, in which the debt (the car note) is secured by the car.
Secured debt might also be in the form of a lien on your property. An example would be judgments against you that have been reduced to liens on your property. There are other kinds of liens as well; for example, mechanic’s liens, tax liens, or liens for unpaid child support.
What happens to secured debt in a Chapter 7 bankruptcy?
Personal liability for some secured debts can be eliminated in a bankruptcy. But, often the lender retains the lien portion of the debt and can use it to enforce the lending agreement.
For example, you may not be personally liable for paying your mortgage if the mortgage debt is discharged in a bankruptcy. But, after bankruptcy, the lender keeps the lien on your house and can foreclose if you stop making payments.
If you owe money on a secured debt such as a car and you file for a Chapter 7 bankruptcy, you often have three options:
- Return the property to the creditor, or
- Continue making payments and keep the property, or
- Pay the creditor a lump sum amount equal to the current replacement value of the property (this is often referred to as “redemption,” and is only available for certain secured debts.)
What kinds of debts are NOT discharged in a Chapter 7 bankruptcy?
Child support, spousal support, most tax debts, and most student loans are not discharged in a Chapter 7 bankruptcy.
Effect of HAMP Mortgage Modifications on Credit Reports and Credit Scores
August 12, 2009
Recently our office has received many questions about the proper credit reporting of HAMP-modified mortgages.
This post discusses (1) how they are being reported, (2) how they should be reported, (3) what you can do to get your HAMP-modified mortgage reported correctly, and (4) possible effects even the “correct” reporting might have on your credit score.
How HAMP-modified loans are being reported now
Many servicers are reporting the modified mortgages to the credit bureaus as a “rolling 30-day late” while the modification is in its trial period.
(The “trial period” is generally a three month period during which the homeowner must make all payments on time under a proposed modification plan. If the homeowner does so, he or she will be offered a modification under HAMP.)
Homeowners are deemed “delinquent” during the trial period because the modified payment amount is less than the original mortgage payment amount, but the homeowner is not yet officially in the modification program.
So, the credit reporting system interprets this as the homeowner’s making a partial mortgage payment each month. Consequently, a new 30-day late is reported each month during the trial period.
Some servicers have told homeowners they are required by the Treasury Department to report the modified mortgages this way.  Other servicers have told homeowners Treasury instructed them to report the mortgages as “late” in order to weed out people who could afford to pay the original amount of their mortgage.
How HAMP-modified loans SHOULD be reported during the trial period
But, borrowers who are current on their mortgage when they enter into the trial modification period should NOT be reported as late, according to servicer guidelines for Fannie Mae, Freddie Mac, as well as other loans (“non-GSE loans”) being modified by HAMP-participating servicers.
Homeowners who were delinquent when they entered the modification trial period, however, will continue to be reported as delinquent during the trial period. See below for more detail.
Information to forward to your servicer if it’s reporting incorrectly
If your loan is owned or guaranteed by Fannie Mae, see page 12 of Fannie Mae Servicing Guide Announcement 09-05R for information about credit reporting for HAMP-modified Fannie Mae loans. It says:
“If a borrower is current when they enter the Trial Period, the servicer should report the borrower current but on a modified payment if the borrower makes timely payments by the last business day of each Trial Period month at the modified amount during the Trial Period. If a borrower is delinquent when they enter the Trial Period, the servicer should continue to report in such a manner that accurately reflects the borrower’s delinquency and workout status following usual and customary reporting standards. In both cases the servicer should report the modification when it becomes final.”
“Borrowers who are current when they enter into the Trial Period and make payments by the 30th day of each month, report as current, but on a modified payment. Borrowers who are delinquent when they enter into the Trial Period or do not make payments by the 30th of each month, report according to borrower’s delinquency and workout status. Notify when borrowers have completed the modification.”
If your loan is NOT owned or guaranteed by Fannie Mae or Freddie Mac, see page 22 of “HAMP Servicer Supplemental Directive 09-01″ for information about credit reporting guidelines for modified non-GSE loans. It specifies the following:
“The servicer should continue to report a “full-file” status report to the four major credit repositories for each loan under the HAMP … on the basis of the following: (i) for borrowers who are current when they enter the trial period, the servicer should report the borrower current but on a modified payment if the borrower makes timely payments by the 30th day of each trial period month at the modified amount during the trial period, as well as report the modification when completed, and (ii) for borrowers who are delinquent when they enter the trial period, the servicer should continue to report in such a manner that accurately reflects the borrower’s delinquency and workout status following usual and customary reporting standards, as well as report the modification when completed. More detailed guidance on these reporting requirements will be published by the CDIA.”
What does this mean for homeowners who are thinking about applying for a modification?
To help minimize damage to your credit report and score, you should apply and try to get into a trial period while you are still current on your mortgage.
You do not have to be behind on your mortgage to apply for a HAMP modification.
What does this mean for homeowners who have recently applied for a modification?
Verify that your lender or servicer understands how it should be reporting your modified loan. Do this before starting your modification program, if possible.
Several homeowners have told our office they had to send a copy of the relevant HAMP credit reporting guidelines to the servicers, who were apparently unaware the guidelines existed.
Remember, you can review all the HAMP and HARP mortgage servicer guidelines at this link.
Will the reporting of “current, but on a modified amount” hurt my credit?
It is impossible to say for sure because FICO does not publish its scoring model.
But, “current, but on modified amount” might ding your score a little. This reporting is telling the credit bureau you are currently paying as agreed, but less than the original amount you contracted to pay.
The FICO scoring model may not give you full credit for paying as agreed. But, this will not be nearly as damaging as rolling 30-day lates.
What if my modification is not through HAMP?
The credit reporting guidelines above apply only to HAMP-modified loans. If you have arranged a non-HAMP modification with your lender or you have modified your loan through another mortgage relief program, these credit reporting guidelines will not apply.
Be sure to negotiate the credit reporting with your serivcer as part of your overall modification package. Even if the servicer insists on reporting your loan negatively, at least you can make an informed decision as to whether a particular modification package will work for you.
Bank of America, Wachovia, Wells Fargo HAMP Modification Performance Evaluated
August 9, 2009
The Making Home Affordable Plan has released its August 2009 Servicer Performance Report. The report analyzes the progress of the HAMP mortgage modification program.
The Data
To date, Bank of America modified just 4 percent of eligible loans. Wells Fargo has modified 6 percent.
Wachovia Corp. has modified a mere 2 percent of eligible loans. (Wachovia was taken over by Wells Fargo in December 2008.)
Several servicers- each of whom received significant amounts of TARP funds– report modifying ZERO mortgages.
Wachovia / Wells Fargo’s Response
Mike Heid, co-president of Wells Fargo’s mortgage unit, told MSNBC the company tries to sign up most homeowners with one phone call. Heid claims Wells Fargo then sends eligible homeowners a trial offer within two days. http://www.msnbc.msn.com/id/32281959/ns/business-real_estate/from/ET/
The Reality
This, however, is in marked contrast to what our office has heard from homeowners. Many homeowners come to us for help after trying for several months to work with their servicers directly.
Homeowers report that Wachovia and Wells Fargo have consistently failed to process modification request packages.
Once contacted by the homeowner for follow-up, the servicers claim additional documentation is needed– even though the homeowner already submitted all documentation the servicer requested.
However, the servicers do not attempt to notify the homeowners they need additional information. So, the files sit untouched until he homeowners contact the servicer to find out what is going on.
Weeks might go by before a homeowner discovers his or her file has been idle. But, time is obviously of the essence for people trying to avoid foreclosure.
What can be done?
The HAMP incentives were meant to discourage this kind of inefficiency. But apparently the incentives are not working.
As a side note, it does not seem possible the servicers are fulfilling their duty to their shareholders by leaving so much incentive money on the table. Recall the HAMP incentives pay servicers for every loan they modify while the loan is still current.
Our office would like to see some HAMP guidelines that would put a time limit on servicers’ processing, at least for Fannie- and Freddie- owned or guaranteed loans.
A guideline requiring the servicers to notify homeowners when they need additional information would be helpful as well.
What does this mean for homeowners?
If you plan to request or already have requested a HAMP modification:
- Start early. You should request a modification even before your mortgage is delinquent. Maybe you are current now, but you have had a reduction in income due to a layoff. If you qualify for a modification, apply. It will take a very long time for the paperwork to be processed. By the time you are in true crisis, hopefully your request will have been processed. But see below.
- Call your servicer at least weekly to ask the status of your file and whether you need to provide additional information.
- If your servicer seems to be making up requirements as it goes along, check to see if it is complying with the HAMP guidelines in its handling of your file. There have been many reports of homeowners being rejected for HAMP modifications for reasons not permitted under the HAMP guidelines. In fact, Freddie Mac has announced it will start auditing servicers for compliance with the HAMP guidelines.
- File a complaint with Freddie Mac if your servicer seems to be violating the HAMP guidelines and your loan is a Freddie Mac loan.
- File a complaint with the Department of the Treasury if you think your servicer has violated HAMP guidelines in processing your file.
To learn more, see these links:
The Making Home Affordable Servicer Performance Report August 2009
MSNBC: Mortgage modifications moving at snail’s pace
Have Your Wages Been Garnished in Maryland? Tell the Court About Your Hardship
August 6, 2009
If a judgment creditor attempts to garnish a judgment debtor’s wages in Maryland, the debtor has a few options.
(A “judgment debtor” is a person who already has a judgment resulting from a debt lawsuit against him or her. He or she was the Defendant in the original debt lawsuit. The Plaintiff from the original lawsuit, who then tries to collect on its judgment, is called the “judgment creditor.”)
Keep in mind a judgment creditor– if the garnishment is successful– can get up to 25% of a judgment debtor’s pay after deductions for taxes, social security, and medical insurance payments. For most people, this is a significant amount.
In other words, an employee may exempt up to 75% of his or her “disposable wages,” which is the amount remaining after deduction for taxes, social security, and medical insurance payments.
But what about the remaining 25%? Is there any way to avoid a garnishment of these amounts?
Maryland courts have held that a Maryland resident’s “wild card” exemption may not be applied to a wage garnishment.
In order to stop a wage garnishment, judgment debtors typically must (1) declare bankruptcy, (2) work out a voluntary arrangement with the judgment creditor, or (3) successfully argue to the court that the garnishment will not leave them with enough money for basic survival.
(There may also be procedural grounds or other grounds to challenge a particular garnishment– here I am assuming no other challenges apply.)
This week I heard some interesting anecdotal feedback from some pro se judgment debtors whose wages have been garnished. They were able to successfully argue to the court that the wage garnishment should not be granted because there would not be enough funds left over for the debtor to pay for rent and food.
As you know, every case is different. This post is intended to encourage pro se judgment debtors to (1) request a hearing and (2) argue their hardship situation if they are faced with a wage garnishment.
Unless your local court has a specific form for this purpose, you can use this general purpose Motion form to tell the court (1) you object to the wage garnishment on the grounds of hardship and (2) you request a hearing on the issue.
maryland-district-court-general-purpose-motion-form
Keep in mind I cannot give legal advice in a blog post. Every situation is different. The court may not deem your particular situation to be a hardship.
But, judgment debtors facing wage garnishment should be aware they have the option of raising the issue with the court.
Maryland Foreclosure Prevention Project: Foreclosure Solutions Workshop September 12, 2009 in Baltimore County
August 5, 2009
There will be a Foreclosure Solutions Workshop on Saturday, September 12, 2009 in Baltimore County from 9:00 a.m. to 5:00 p.m. hosted by Congressman Elijah E. Cummings.
Homeowners should bring: (1) all paperwork related to current and former mortgages (including loan application, settlement paperwork and lender statements); (2) all foreclosure notices or threats of foreclosure received; and (3) information about monthly household budget (income/expenses).
DATE: SATURDAY, September 12, 2009
TIME: 9:00 a.m. to 3:00 p.m.
LOCATION: Woodlawn High School, 1801 Woodlawn Dr., Gwynn Oak, MD 21207
***This location is handicap accessible.***
Maryland Foreclosure Prevention Project: Foreclosure Solutions Workshop on Saturday, August 29, 2009 in Prince George’s County
August 5, 2009
There will be a Foreclosure Solutions Workshop on Saturday, August 29, 2009 in Prince George’s County from 9:00 a.m. to 4:00 p.m. hosted by the Offices of Governor Martin O’Malley and Lt. Governor Anthony Brown.
Homeowners who pre-register are guaranteed a free legal consultation.
Homeowners should bring: (1) all paperwork related to current and former mortgages (including loan application, settlement paperwork and lender statements); (2) all foreclosure notices or threats of foreclosure received; and (3) information about monthly household budget (income/expenses).
DATE: SATURDAY, August 29, 2009
TIME: 9:00 a.m. to 4:00 p.m.
LOCATION: Charles Herbert Flowers High School
ADDRESS: 10001 Ardwick Ardmore Rd., Springdale, MD 20774
REGISTRATION: Home-owners should call (800) 756-0119 to register.
***This location is handicap accessible.***
Opposing Bank Account Garnishments in District of Columbia
August 2, 2009
If you are a D.C. resident whose bank account has been garnished or you have a bank account located in D.C. that has been garnished, read the attached form carefully:
If you would like to request a hearing or exempt your funds from garnishment, file this form as soon as your bank notifies you of the garnishment:
dc-garnishment-motion-for-exemption-and-to-request-hearing
Please contact our office with any questions or for a consultation.
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